Natural Disaster Risk in Santa Fe
Texas
Risk Summary for Santa Fe
Santa Fe scores 7.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Santa Fe, Texas
Santa Fe is a city of approximately 14,155 residents in Galveston County, along the Gulf Coast. The area experiences an exceptionally varied climate from humid subtropical in the east to desert in the west, with overlapping tornado, hurricane, flood, and drought seasons shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Santa Fe.
According to FEMA's National Risk Index, Santa Fe carries an overall risk score of 7.4/10, placing it in the high category. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. The area also faces notable exposure to coastal flood and hurricane.
Santa Fe's risk score, considerably above the 5.6/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Galveston County, the highest-scoring are cold wave, coastal flood, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Santa Fe's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Santa Fe: Cold Wave preparedness
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
- Keep emergency heat and supplies ready in case of cold-related power outages.
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
Local Factors for Santa Fe
These city-level factors differentiate Santa Fe from other communities in Galveston County and provide geographic context for its hazard exposure.
Population
14,155
SuburbanGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
Climate Band
Warm Subtropical
Latitude 29.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.7/10
Coordinates
29.3479° N, 95.0909° W
Galveston County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Santa Fe
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Santa Fe
Other cities in Texas
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.